The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$51,040
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$52,628
−HK$1,613/mo
Today · 4.125%
HK$54,241
baseline
▲ 0.50% · 4.625%
HK$57,541
+HK$3,300/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$108,482/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,781
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$58,304
−HK$1,545/mo
Today · 4.125%
HK$59,849
baseline
▲ 0.50% · 4.625%
HK$63,004
+HK$3,155/mo
Deposit HK$11.19M · loan HK$11.19M · min. income ≈ HK$119,698/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$951,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,248
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,153
−HK$1,936/mo
Today · 4.125%
HK$65,089
baseline
▲ 0.50% · 4.625%
HK$69,049
+HK$3,960/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$130,178/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,138
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,965
−HK$1,854/mo
Today · 4.125%
HK$71,819
baseline
▲ 0.50% · 4.625%
HK$75,605
+HK$3,786/mo
Deposit HK$8.95M · loan HK$13.43M · min. income ≈ HK$143,638/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$951,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,456
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,679
−HK$2,258/mo
Today · 4.125%
HK$75,937
baseline
▲ 0.50% · 4.625%
HK$80,557
+HK$4,620/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$151,874/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,494
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,626
−HK$2,163/mo
Today · 4.125%
HK$83,789
baseline
▲ 0.50% · 4.625%
HK$88,206
+HK$4,417/mo
Deposit HK$6.72M · loan HK$15.67M · min. income ≈ HK$167,578/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$951,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,872
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$94,730
−HK$2,903/mo
Today · 4.125%
HK$97,633
baseline
▲ 0.50% · 4.625%
HK$103,574
+HK$5,941/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$195,266/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,207
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$104,948
−HK$2,781/mo
Today · 4.125%
HK$107,729
baseline
▲ 0.50% · 4.625%
HK$113,407
+HK$5,678/mo
Deposit HK$2.24M · loan HK$20.15M · min. income ≈ HK$215,458/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$951,297 · Scale 2, in force from 26 Feb 2026)